Overdraft Protection and Your Debit Card FAQ

Click on the links below for answers to frequently asked questions


What happens when my account is overdrawn?

  • If you have an overdraft, JCB may cover your transaction but charge you a fee for this service. (See the terms and agreements of your account for details.) We need your permission to offer this service on your ATM/debit card.

If I have insufficient funds in my account, will my card be declined?

  • If you do not give permission for overdraft service to apply to ATM and everyday debit card transactions, your transaction will be declined. However, if you allow overdraft service for ATM and everyday debit card transactions, we will at our discretion cover your account. A fee for this service will be charged only when it is used.

If I do nothing, what will happen if my account is overdrawn?

  • If you do not give your permission to allow overdraft service for ATM and everyday debit card transactions and you attempt a transaction that overdraws your account your transaction will be declined.

Do I already have overdraft service?

  • Overdraft service, provided for checks and electronic payments, may be included in your account. However, it will not cover overdrafts on ATM and everyday debit card transactions unless you give us your permission.

I never overdraw my account. Why would I want something that charges me a fee?

  • We understand that life can sometimes throw you a curve ball and while we do not encourage overdrafts on accounts, we do realize that overdrafts may occur on occasion due to an oversight or as the result of a miscalculation. That’s why we only charge a fee if you use it.

If I decide to opt-in now, can I change my mind later?

  • Yes, you can change your election at any time.

Does this apply to check overdrafts and automatic bill payments?

  • No, it does not apply to these transactions. JCB will provide overdraft service for checks and automatic bill payments and charge standard applicable fees.

Does this apply to business or other non-personal accounts?

  • No, it does not apply to account types other than personal.

Where can I learn more about Overdraft Service from JCB?

  • Visit your local JCB banking center or call 800-204-6477.